Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,372Cash toward the purchase price.
Closing costs + prepaids$15,641Not just lender fees.
Before credits & paid funds$39,013The complete starting cash picture.
Estimated remaining funds due at closing
$39,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,371.70
Your down payment$23,371.70
Closing costs + prepaids$15,641.36
Total buyer cash needed$39,013.05
Remaining funds due$39,013.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,430.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$498.25
Initial HOA (3 months)$215.01
Prepaid interest, first (31 days)$3,023.10
Fees + prepaids$15,641.36
Your down payment is the seller’s equity. You take over the $519,628 balance, so the rest of the $543,000 price is paid at closing. A second mortgage can cover part of it. $39,013.05 is due at closing. Uses and sources reconcile at $558,641.36 each. Not a Closing Disclosure.